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Earl 28038

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.North Carolina
$136K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
3
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$198K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Apr 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
201920202021202320242026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
201920202021202320242026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
201920202021202320242026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
201920202021202320242026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
201920202021202320242026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
201920202021202320242026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
201920202021202320242026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
201920202021202320242026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
201920202021202320242026

Housing Stock

HomesHow many homes we have records for in this area.108
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$198K
Median sizeThe middle home size here, measured in square feet.1,544 ft²
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1983
Single familyThe share of homes here that are single-family houses.100%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.81%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.4.8%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.31%
Company ownedThe share of homes owned by a company or trust instead of a person.7.4%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.25.7 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.68
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.76

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.4.6%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.5
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.192 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$57K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72K
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Earl 28038 compares

By median home value, Earl 28038 is the 5th most expensive of 10 ZIP codes in Cleveland County, and its typical home is worth more than 45% of all homes in Cleveland County.

Home values in Earl 28038

Share of homes at each estimated value.

Median
$79K$404K
ZIP codes in Cleveland County ranked by median home value
#Cleveland CountyMedian valueHomes
1Kings Mountain 28086$234K10,444
228042$230K216
3Shelby 28152$218K8,817
4Shelby 28150$214K11,324
5Earl 28038$198K108
628017$192K386
7Casar 28020$192K1,184
8Lawndale 28090$185K3,267
9Grover 28073$175K1,755
10Waco 28169$164K101

About the Earl 28038 market

What is the median home price in Earl 28038, NC?

The median sale price in Earl 28038, NC is $136,000 (data through April 2026), based on deeds recorded with the county.

How many homes sell in Earl 28038, NC each year?

3 homes sold in Earl 28038, NC over the last 12 months (data through April 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Earl 28038, NC?

Earl 28038, NC contains 108 residential properties, with a median of 1,544 square feet, built around 1983. The median TopHap Estimate is $198K.

How does Earl 28038, NC compare to the rest of Cleveland County?

By median home value, Earl 28038, NC is the 5th most expensive of 10 ZIP codes in Cleveland County. Its typical home is worth more than 45% of all homes in Cleveland County. Shelby 28150 ranks just above it and 28017 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Earl 28038, NC?

31% of homes in Earl 28038, NC are owner-occupied. 7% are held by a company rather than an individual.

How much equity do owners in Earl 28038, NC hold?

81% of mortgaged homes in Earl 28038, NC are equity-rich, meaning the loan balance is under half the home's value. 4.8% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Earl 28038 on the map

See every recorded sale, price heat map, school zone and flood overlay across Earl 28038 in TopHap’s interactive 3D map.

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